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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 23-3038464 | Contract Administrator | $25,406 |
AMERICAN FUNDS3+ years Filed as: THE CAPITAL GROUP INVESTMENT ADVISO Service code 27 6720-B ROCKLEDGE DRIVE · BETHESDA, MD 20817 | Advisory (Plan) | $10,108 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,245 | $79,694-65.8% | $96,161-71.7% | $79,393-65.7% |
| Participation rate | 17.8% | 54.0%-36.2pp | 68.4%-50.7pp | 70.7%-52.9pp |
| Annual return | 10.22% | 40.84%-30.6pp | 192.01%-181.8pp | 116.87%-106.7pp |
| Employer contribution / active EE | $0 | $1,443-100.0% | $2,798-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $769 | $2,539-69.7% | $4,349-82.3% | $4,046-81.0% |
| Admin fee / account holder | $474 | $630-24.7% | $5,538-91.4% | $627-24.3% |